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If you are not pregnant and you would like to add additional maternity insurance coverage to your Montana individual health insurance plan, there are quite a few things that you should be made aware of. Most Montana individual health insurance policies that actually offer a maternity rider (some do not) will allow you some amount of maternity coverage, but at an addition to the standard plan premium. It is common for maternity insurance riders to have a long waiting period of 6 to 12 months before they cover any type of pregnancy costs. Some maternity riders in Montana can allow 100% to be paid up to a set amount for your pregnancy and delivery after 12 months while other maternity riders only allow for 50% of the benefit paid. On rare occasion, maternity benefits begin immediately without a waiting period. Other Montana maternity insurance plans pay nothing until the 12 month waiting period has expired. It is good to shop numerous health insurance companies in Montana and compare the benefits that are offered from each health insurance company. If you allow us to assist you, you will have the opportunity to compare many Montana maternity insurance plans and maternity benefit options.
Most times maternity insurance coverage is not included in a Montana individual or family health insurance policy. You must either add additional coverage for maternity or obtain maternity health insurance separately. You may be surprised to find out that maternity expenses are not covered by your current health insurance plan in Montana. It can be very expensive to add this additional coverage, but it is even more expensive to pay for a pregnancy out of your own pocket. Maternity insurance is not available through many individual health insurance companies. Montana maternity insurance providers may pay many of the expenses related to prenatal care and a routine childbirth. Any complications of pregnancy are also typically covered. The best way to ensure that your pregnancy costs will be covered is to let us help you. Allow a licensed insurance agent to assist you by getting a maternity insurance quote today. You should plan ahead by making sure you obtain maternity insurance before you become pregnant. Otherwise, you may have a very difficult time getting full maternity coverage in Montana.